I have a goiter and I want to buy insurance, what kind of insurance is better

Xueba talks about insurance, focusing on insurance evaluation! Buying insurance is an inevitable thing for everyone. You're already interested in buying insurance, so you might as well take a look at this:Comparison table of 136 popular hot-selling insurance products in China

The three points we look at when buying insurance are the company, the type of insurance, and the product, as follows:

1. What is the choice of insurance company?

Ranking of insurance companies worth bookmarking:Which of the top 10 insurance companies is good

There are only three criteria for testing insurance companies: premium income, claims settlement ability, and service rating. Premium income is the most important source of capital inflow for insurance companies. Another criterion is solvency in a timely manner; The service rating represents the comprehensive assessment rating of the regulatory association.

According to these three criteria, you will definitely find the right insurance company.

2. What is the type of insurance?

For us, the most common types of insurance are life insurance and property insurance, and life insurance is the top priority, it has four categories: critical illness insurance is to prevent huge medical expenses caused by critical illness; Life insurance is life insurance, which mainly focuses on people's life expectancy; Medical insurance, also known as medical expense insurance, covers hospitalization expenses caused by insufficient medical insurance; Accident insurance refers to the insurance arising from sudden accidents during the insurance period. But what kind of product to buy is really a big problem.

3. What are the options for insurance products?

The insurance product market is becoming more and more competitive; There are more and more good products that we can choose from, wait and see what happens, and combine them with our own needs. Remember that there is no such thing as the best insurance product, only the right one for you.

That's all I have for this question, I hope it helps you.

Critical illness insurance, critical illness with death and mild illness. Truthfully inform the history of goiter when applying for insurance, and see the company's underwriting.

Depending on the size of the thyroid nodule, general medical insurance and critical illness insurance will do the exclusion of liability, if the nodule is large and the situation is more serious, it will be directly denied insurance.

All those within the scope of reimbursement stipulated by the state can be reimbursed.

A lot, you can send me a private message.

Yes, but there will be more restrictions.

At the end of this year, many insurance companies relaxed the underwriting conditions for critical illness insurance, making them more friendly to patients who could not apply for critical illness insurance due to pre-existing conditions, expanding the number of insured people.

In view of the fact that many consumers have recently been consulting Daddy about the critical illness insurance products that thyroid nodule patients can insure, Daddy has also deliberately sorted out two good critical illness insurance suitable for thyroid nodule patients from many products, let's take a look at it directly.

The above table of Tetrad and Guardian No. 3 critical illness insurance products, they are both more friendly to thyroid patients, Tetrad agrees, the thyroid grade is 1-3 and meets the requirements of surgery, pathology is not benign, no abnormality and no surgery within half a year, ultrasound examination within half a year 1-2, the maximum diameter is less than or equal to any of the conditions, then you can apply for insurance normally.

However, if there is no surgery and the ultrasound examination is level 3 within six months, then it can also be excluded from coverage, that is, thyroid disease is excluded from coverage, but other diseases are covered as usual.

The underwriting of this product is divided into intelligent underwriting and manual underwriting, the underwriting requirements of the two are different, and the intelligent underwriting stipulates that as long as the thyroid nodule is grade 1-2 in ultrasound examination within half a year, the maximum diameter is less than or equal to 2cm, and there is no lymphadenopathy, the patient can be insured normally.

As long as the thyroid cancer has been operated for more than 5 years after surgery, the disease has not metastasized, spread and **, and the thyroid function is normal, then the insurance can also be excluded.

How to buy insurance for thyroid disease, what insurance you can buy depends on the condition, if the condition is very mild, there are generally types of life insurance that can be boughtCritical Illness Insurance, Life Insurance, Million Medical Insurance, Cancer Insurance, and Accident Insurance

If the condition is very serious, perhapsAlsoYou can buy cancer insurance with more relaxed health noticesIn the worst case, you can only buy itAccident insurance that does not require health advice

But no matter what the condition, yesIt is a case of insurance with illnessIf you really want to buy yourself a guarantee, you need to pay more attention to the product information and see which ones meet the insurance requirements in order to successfully apply for insurance.

SelectHealth Inform Loose ProductsFor you, the loose health notice should refer to the product that does not ask about the relevant diseases, so the probability of the health notice passing will be very large.

SelectProducts with smart underwritingThe operation is convenient, the underwriting conclusion can be obtained quickly, and the rejection is not afraid of leaving traces, which will affect the insurance of other products.

When you take out a health notice when you are sick, you must tell the truthAdhering to the principle of "answering all questions, not answering questions", we can avoid the risk of insurance companies refusing to pay in the future.

Cancer insurance is a product with relatively loose health notices, which can cover cancerIf you really can't buy critical illness insurance and million medical insurance, it is very necessary to buy a cancer insuranceCancer insurance is recommended to be purchased!

Accident insurance** is cheap, and most of them can be purchased without health noticeAccidents can't be prevented, so it's more reliable to buy an accident insurance to go out, and the accident insurance here is very good:In 2020, all the accident insurance worth buying is here

The thyroid gland is such an inconspicuous organ that we don't even feel its presence at all. But actually,The thyroid gland is the largest endocrine gland in the body.

The thyroid hormone secreted by the thyroid gland has many effects such as promoting nutrient metabolism, physical growth, brain development and cardiovascular function, and its importance is self-evident.

In the past, every year in the physical examination of the unit, there were always colleagues around Shenlanjun who were found to have thyroid diseases. Common thyroid diseases include the following:

For example, hyperthyroidism**, if the dose is small, it is easy to cause**; If the dose is too large, hypothyroidism may develop.

Thyroid cancer generally does not need to undergo painful chemotherapy and radiotherapy, and most of them are removed by surgery, and the thyroid gland function can be maintained by relying on drugs, which usually does not pose a threat to our lives.

It can also be seen from last year's insurance claims annual report that thyroid cancer has become the most claimed, so insurance companies are more strict in underwriting thyroid diseases.

How does Deep Blue quickly apply for insurance with illness? If you have a health abnormality, you must know the following 3 insurance tips:

Smart Underwriting:Quickly obtain underwriting conclusions through products with intelligent underwriting.

Multiple Insurance:Apply to multiple companies at the same time and choose the best underwritten product.

With 3 tips in hand, I believe you will find the right product for you.

Any insurance can be used, but thyroid-related diseases cannot be covered in the future.

Thyroid nodules are a very common disease, many people have, in general, there is still a chance to buy insurance, but the monogram body is underwritten, or excluded from coverage, or extended, it needs to be reviewed according to our thyroid color ultrasound, thyroid fine needle puncture report and thyroid function and other results, some products can provide intelligent underwriting of thyroid nodules, some need manual underwriting, the insurance process will be more complicated, but if there are thyroid nodules, It is still necessary to buy an insurance for yourself to provide protection, are you planning to configure insurance for yourself recently?

If you have thyroid disease, you can buy insurance that has accident insurance.

Life insurance, critical illness insurance.

and medical insurance. Accident insurance: Generally speaking, people with thyroid disease can also be insured normally and provide accident protection. Life insurance: Depending on the severity of the illness, there may be restrictions on coverage, but it is possible to underwrite normally.

Extended information: Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating for the property damage caused by the accident that may occur as agreed in the contract, or bears the responsibility of paying the insurance money when the insured person dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. from risk management.

From perspective, insurance is a method of risk management.

The subject of insurance is the subject of the insurance contract, which only includes the policyholder and the insurer. Insured, beneficiary, policy owner. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract.

The policyholder can be a natural person or a legal person, but must have civil capacity.

Insurer, also known as "insurer", refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money. In China, there are joint-stock companies and wholly state-owned companies.

Two forms. The insurer is a legal person, and an individual citizen cannot act as an insurer.

The insured person refers to the insured person who, according to the insurance contract, is protected by the insurance contract and has the right to claim insurance money after the occurrence of the insured event.

of people. The policyholder is often the insured at the same time.

The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to have the right to claim insurance money, and the policyholder and the insured can be the beneficiary. If the policyholder or insured person does not designate a beneficiary, his legal heirs are the beneficiaries.

The owner of the policy, with the insurance interest.

The person who owns the property is often the policyholder and beneficiary, and Lu Qingzao can also be the assignee of the policy.

As we all know, health insurance will be much stricter than life insurance, accident insurance, etc., so it is very envious that patients with thyroid diseases are mostly hindered when applying for medical insurance and critical illness insurance, but in fact, there are some products whose balance is inclined to patients with thyroid diseases.

For example, Infinite 2020 and Exclusive e-Life Superior A Edition have a certain degree of relaxation in the insurance coverage of patients with thyroid diseases. The Ultimate 2020 has both the Basic Plan and the Excellence Plan, and it can be seen that the Infinite Love 2020 is very generous in terms of coverage, and there is also pre-existing condition coverage.

The high claim rate of thyroid cancer directly affects the underwriting attitude of insurance companies, can patients with thyroiditis, hyperthyroidism, hypothyroidism, and thyroid nodules still be covered? This article will take you to an in-depth analysis:"Sick insurance, you must not know these key points!

Thyroid nodules are reimbursed 25% for the basic version and 50% for the excellent version, and 5% and 10% for other specific pre-existing conditions, respectively; There is also an option to upgrade the benefits of 75% and 100% for thyroid nodules, and 15% and 20% for other specific pre-existing conditions.

What are the underwriting conditions for Ultimate Infinity 2020? Interested in poking this article:Is Love Infinity 2020 reliable? Is it worth buying?

The critical illness insurance market is highly competitive, the product iteration is fast, and the new definition of critical illness has also made changes to thyroid cancer"The Most Worthwhile Hot New Definition Critical Illness Insurance List! 》

The same number on the whole network: Xueba said insurance, insurance experts will choose insurance products that meet your personal situation and can be insured for thyroid diseases according to your needs and actual travel conditions.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

If you have thyroid nodules, you can still buy insurance. For example, if the nodule has been completely removed by surgery, and the postoperative pathological examination results are benign, the operation has been more than 2 years, there are no related sequelae such as terminal illness, and the thyroid ultrasound and thyroid function test results are normal in the past six months. Then, most critical illness insurance and medical insurance can still be purchased.

For example, PICC Life Insurance i Worry-free Critical Illness Residue Xiangzi Insurance (Internet Exclusive) under PICC Life Insurance can be underwritten in accordance with the standard body normally if the above conditions are met.

So, what is the guarantee content of this product, you can understand it in detail through this evaluation article:Is PICC i Worry-Free Critical Illness Insurance Yantong (Internet Exclusive) good? Pay attention to these points!

In addition to critical illness insurance and medical insurance, patients with thyroid nodules can also apply for accident insurance, life insurance and financial management insurance with more relaxed health notices according to their own needs.

In addition, if you are unable to purchase suitable critical illness insurance and medical insurance due to physical reasons, you can also try to purchase cancer insurance and cancer medical insurance.

In general, people with thyroid nodules can still buy insurance.